10-Year Fixed Rate Refinance:

Official monthly SBA 504 effective interest rate tables can be found at 鹰 合规管理有限责任公司. 25- and 20-year term loans fund every month; 10-year term loans fund every other month. Effective interest rates are inclusive of servicing fees, which are subject to 申请人的信用风险.

Servicing the States of Alabama, 佛罗里达, and Georgia.


504过桥十大正规赌平台平台计划 Eases Interim Risk for SBA Lending Partners.

下 Small Business Administration (SBA) 504 十大正规赌平台平台, commercial lenders partner with a certified development company (like 佛罗里达 First Capital) to provide small business owners with up to 90% financing for the purchase of owner-occupied commercial real estate and/or fixed machinery and 设备.

通常, a 504 loan is structured whereby a commercial lending partner finances 50% of the project and holds the first mortgage. 佛罗里达 First Capital/SBA finances 40% of the deal and holds 第二次按揭. The borrower provides a 10% down payment.

One of the most critical stages for a commercial lending partner in an SBA 504 loan project is the interim phase between the commercial lending partner’s closing and the permanent takeout of 第二次按揭 by the SBA, during which time the commercial lending partner is at risk on 第二次按揭.

504过桥十大正规赌平台平台计划, available for any 佛罗里达 SBA 504 loan, addresses this exposure and timing difference by providing commercial lending partners with bridge loan funds to cover the second mortgage until the permanent SBA second mortgage takeout occurs.


  • 十大正规赌平台平台 amounts are generally capped at $5 million (SBA portion).  Certain eligible energy-efficient or manufacturing projects may qualify for up to $5.500万美元,与SBA一致 标准.  Generally, the total project limit is $20 million. (This restriction applies to the principal amount of the loan directly supported by the 504 bridge loan, 加上所有其他 loans for the same loan purpose that close on or about the same date.)
  • The initial term is six (6) months with automatic extensions at six (6) month increments.
  • Bridge loan funds may be used for interim project financing of 第二次按揭 of authorized SBA 504 loan projects, including straight acquisitions, renovations or build-out projects, ground-up construction and/or fixed heavy duty machinery and 设备 purchases.

请注意: 504过桥十大正规赌平台平台计划 is available in 佛罗里达 only.


Since establishment of the SSBCI 504过桥十大正规赌平台平台计划, a variety of lenders have participated in the program, 包括:

  • 121金融信用社
  • American Enterprise Bank of 佛罗里达
  • 合众银行
  • 海湾第一国民银行
  • 首都银行
  • CenterState银行
  • 气候第一银行
  • 第一柑橘银行
  • First National Bank of South Miami
  • 第一南岸
  • 弗拉格勒银行
  • 佛罗里达社区银行
  • 佛罗里达传统银行
  • 盖恩斯维尔刺激基金
  • HomeBanc
  • 近岸内银行
  • 海洋银行 & 信托公司
  • 侯爵银行
  • 海洋银行
  • 铂银行
  • 专业银行
  • 繁荣的银行
  • 佛罗里达留尼汪银行
  • 海岸国家银行
  • 杰克逊维尔银行
  • United Community Bank dba Seaside Bank
  • 美国世纪银行
  • TotalBank

The SSBCI 504过桥十大正规赌平台平台计划 is open to all 佛罗里达 Certified Development Companies. For more information on the program, please contact Christine Melloh, Program Administrator, at 800.504.十大正规赌平台平台或电邮至 Christine@bohuslan.net.

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